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So I ran my experian via myfico today...

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    #1

    So I ran my experian via myfico today...

    The IIB accounts are listed as "Not Rated" and then you click "details" and you see "Chapter 7 Bankruptcy". This is correct, right?


    Also 2 mortgages on my house are not listed as IIB. ...even though I never reaffirmed...and am riding thru.
    -Will my score drop if I have the bank convert to IIB?
    -Wouldn't it improve my Debt/Income ratio?
    -Would a better D/I ratio offset 2 more IIB accounts?
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    #2
    I would correct the errors because it looks as if you still have the mortgages, if I'm understanding your post correctly. Having more debt, such as 2 mortgages would lower your score.

    What exactly do the accounts say on your credit report?
    Bankruptcy History:
    Chapter 7 filed - 10/12/2005 - Asset
    Discharged - 02/16/2006
    Case Closed - 11/08/2007

    A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain

    All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.

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